Tsvaga Aunti Yokuchengetedza pasina Mhosva
Nezvo mupfungwa, ndeipi nzvimbo yakanakisisa yekuzarura gwaro rekuchengetedza pasina? Verenga pamusoro pezvikonzero zvishomanana.
Mharaunda kana paIndaneti?
Iwe unogona kuwana mari isina mari yekuchengetera mabhuku pane nzvimbo dzakasiyana-siyana, kusanganisira mabhizimusi ari muIndaneti uye zvidhinha-uye-zvinyorwa zvivako . Kana iwe uchida kuita bhizinesi rako uri munhu, brick-uye-mortar bank ndiyo nzira yekuenda nayo. Kunyange kana iwe uchida kubhengi paIndaneti , unogona kudikanwa nekambani pabhidha rekodhi kana chikwereti chekweretheni kuti uwane kambani yako yepaIndaneti yakazarurwa.
Dzimba shomanana ndiyo yakanakisisa yekutengesa kana iyo inouya kumabhadhari ezvidhinha-uye-matenga mabhuku ekuchengetedza. Mabhandi makuru anogona kupa zvikwereti zvisingabhadharwi zvakare, asi ivo vanowedzera zvakaoma kuwana uye kukodzera (unogona kudikanwa kuchengetedza mabhalisi ediki pasi peji kana kuisa zvinowanika zviri nyore kuakaiti kuitira kuti usachengetedza mari). Kana uri nechinetso chekuwana izvo zvaunoda, tsvaga mabhenji emunharaunda uye zvikwereti zvekwereti izvo zvisiri zvikwata zvenyika.
Online Banks
Mabhanki epaIndaneti ndeyechokwadi chekuchengetedza mahwendefa ega .
Vave vachipa mari shoma shoma uye vanoongorora maakare kwemakore, uye izvo hazvina kuchinja (kunyange zvazvo mabhanga ezvigaro akakurira mari mumakore achangopfuura). Kana ukawana chikwata chapamusoro-chekuita ( APY ) chakakosha kwauri, unofanira kufungisisa mabhanki eIndaneti. Mitengo inowanzo (asi kwete nguva dzose) zviri nani paIndaneti.
Unoda mamwe mazano ekuchengetedza kwekambani yekuchengetedza pasina mari? Edzai mabhuku ari pasi apa. Hapana huwandu hwekuzarura maakaiti aya, hapana mamiriyoni ezvokuchengetedza mari, uye iwe unogona kuzarura kambani zvachose paIndaneti .
Imwe Chete 360: Capital One 360 ndiyo chiso chitsva che ING Direct (piyona munyika yenhoroondo dzekuchengetedza pasina mukana). Vane bhiza rinokwanisa kuita izvo zvaunoda, uye mitengo inokwikwidza. Cherechedza kuti iwe unoda " kubatanidzwa " zvidhinha-uye-matenga kuongorora akaunti kuti uzarure kero yekuchengetedza neChese One 360.
Ally Bank: Ally bank ibwe rimwe bhenji reInternet rave iri pane imwe nguva. Ally yakasiyana nokuti haudyi brick-uye-mortar account kuti uwane kambani yakavhurwa; iwe unogona kungoita nhoroondo yeAlyly yeAllly uye uibhadhara iyo nemabhadharo, direct deposit, kana kuti kutengeswa kwetambo.
Imwe Chete 360 neAlly ndeimwe yemabhanki anozivikanwa zvikuru muIndaneti, asi haasi ivo chete - uye haisi ivo vakanyanya kunaka. Mazhinji emabhanki makuru eInternet akafanana, saka sarudza bhangi ine bhadha dzekuchengetedza mahana nezvimwe zvinhu zvaunoda. Ingoziva kuti mari inoshanduka nguva dzose; kana ukasarudza bhangi nekuda kwekuti bhangi ine chikwereti chakanaka, imwe bhangi ichakurumidza mberi uye ichapa zvakawanda.
Bhuku rebhizimisi: kana iwe uchimhanya bhizinesi, kuchenjera kuparadzanisa bhizinesi rako uye nhoroondo dzevanhu. Iwe unogona kuzarura bhizimisi kuongorora kambani kuti uwane gwaro rekuchengetera bhizinesi rako, asi iwe unoda kutarisa chero zvakadaro (uye zvimwe kutarisa mabhengi kuripa chikwereti - zvichida kubvisa kudiwa kwenyaya yekuchengetedza). Nzira dzakasiyana-siyana dzinosanganisira US Bank "Silver" uye Capital One "Spark," asi iwe unofanirwawo kutarisa zvikwereti zvekwereti zvekunzvimbo uye mabhenji emunharaunda.
Ronga Pamberi
Sezvaunosarudza kuti unogona sei kuzarura compte, iva nechokwadi chekufunga nezvezvinhu zvipi zvebhuku zvakakosha kwauri, uye iva nechokwadi kuti iyo masangano ari chikamu chesaiti yekuchengetedza pasina (kana kuti kunyatsoita kuti chero mari inogona kutarisirwa). Mibvunzo shomanana yekuita kuti utange ndeyi:
- Uchawana kadhi yeATM here?
- Iko maATM asingabhadhari anowanikwa munzvimbo yako here?
- Iko kubhengana chiso nechiso chakakosha here? Kana zvakadaro, matavi anonyatsowanikwa uye akazaruka paunenge uchitsvaga here?
- Bhengi inopa mazita akasiyana eCD here?
- Iwe unogona here kuisa paIndaneti kana nefoni yako?
- Chero chidikanwi chekutengesa foni? Vanodhura zvakadini?
Zvakadini nezvemasangano kunze kwekambani yekuchengetedza? Iwe unogona kutora chikwereti, mari yakachengeteka bhokisi , kana kuti cheki chekuongorora nguva pfupi, uye zvingava zvine musoro kuti uve nezvinhu zvose mune imwe nzvimbo. Hupenyu hwako hungave huri nyore kana ukasarudza bhangi rinogona kubata zvido zvakawanda - uchawana zvinyorwa zvishoma (kana maeils), uye iwe haufaniri kuchengetedza nhoroondo dzakawanda dzepaIndaneti. Mukuwedzera, mabhengi anowanikwa mari yakawanda pakuongorora uye kuchengetedza mabhuku kana ukashandisa michina yakawanda.